Subscribe for analysis that goes beyond the noise. One reason why it costs so much to buy health insurance as a individual is because of a problem that economists call “adverse selection.” Adverse ...

Adverse selection occurs in health insurance when there is an imbalance of high-risk, sick people to healthy people. The imbalance can happen due to sick people, who require more insurance, using more ...

J.B. Maverick is an active trader, commodity futures broker, and stock market analyst 17+ years of experience, in addition to 10+ years of experience as a finance writer and book editor. Ebony Howard ...